Should I rent or buy?
Compare your wealth on each path over the years you'll stay. Every assumption is visible and yours to change.
Under these assumptions only. Small changes to price growth or returns can flip the answer — see below.
Your wealth, year by year
If prices grow faster or slower
| Price growth / yr | Buy | Rent | Ahead |
|---|---|---|---|
| 2% | ₹1Cr | ₹2.1Cr | Rent by ₹1.1Cr |
| 5% | ₹1.62Cr | ₹2.12Cr | Rent by ₹50.61L |
| 8% | ₹2.41Cr | ₹2.14Cr | Buy by ₹26.71L |
What each path costs over 10 years
| Buy | |
|---|---|
| Down payment + buying costs (upfront) | ₹40,50,000 |
| Monthly EMI | ₹1,00,373 |
| Interest paid | ₹83,17,612 |
| Maintenance paid | ₹9,64,770 |
| Property value at the end | ₹2,44,33,419 |
| Loan still outstanding | ₹82,72,875 |
| Rent | |
| Total rent paid | ₹67,92,062 |
| Upfront money invested instead | ₹40,50,000 |
| Investments at the end | ₹2,12,22,039 |
Each month, whichever path costs less invests the difference at your return rate. Selling costs, tax on gains, home-loan tax benefits and the non-financial value of owning aren't included. This compares scenarios; it isn't financial advice.
Your KITNA Rent vs Buy Report ₹299
Salary analysis, a monthly budget, savings projection, city and housing scenarios, written for your numbers. Everything above stays free.
See what's in the reportQuestions people ask
Is it better to rent or buy in India?
There's no universal answer. It depends on how long you stay, property price growth, what your money could earn if invested, your loan rate and buying costs. The calculator shows how the answer changes if prices grow three points faster or slower.
What does the calculator leave out?
Selling costs, tax on gains, home-loan tax benefits and the non-financial value of owning a home.